My husband and I move money into our joint account for joint expenses so I have an income category for money I put in the joint and a separate income category for what he puts in the joint. I need the income categories to rollover instead of going into the pool so he and I can tell separately if we've added the amount to the joint account that we budgeted to add and let us see the next months where we need to 'catch up' to the budget. This really prevents me from committing to using the tool.